| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3400 CROASDAILE DR, STE 206 DURHAM, NC 27705 | STANDARD INSURANCE COMPANY | $64K | $9K | $73K | 12.29% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 1020 DRAYTON STREET 2ND FLOOR SUITE 200 SAVANNAH, GA 31401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $12K | $27K | 4.58% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $4K | $29K | 5.82% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | — | $20K | $20K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3400 CROASDAILE DRIVE #206 DURHAM, NC 27705 | GENWORTH LIFE INSURANCE COMPANY | $40K | — | $40K | 12.74% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 3400 CROASDAILE DRIVE, #206 DURHAM, NC 27705 | GENWORTH LIFE INSURANCE COMPANY | $11K | — | $11K | 3.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3400 CROASDAILE DR #206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $4K | $23K | 12.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 637 | $586K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 637 | $586K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 950 | $11.3M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 631 | $501K |
| Long-term disability(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 833 | $1.3M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 850 | $817K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 950 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.